“When such complaints are received, the CBN will embark on a thorough investigation of what happened and how the deductions were made.

“If we discover that the bank was wrong, we will write and order the bank to return the money to the customer’s account,” Okorafor said.

“We do not keep this kind of money in any special account. Someone owns it and the banks know the accounts from where they made the deductions. So, we mandate them to pay it back into the accounts,” he added.

So, when next your money goes missing, write the CBN, you will get it back.